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President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

Retail giant Target announced that they are giving out more than million in bonuses to frontline employees ahead of the holiday shopping season.On Monday, the company said that more than 350,000 employees - which includes employees who work in stores, the distribution centers, and seasonal hires - will all receive a 0 bonus."In a year like no other, I'm proud of what this team has accomplished and grateful for the care and connection they've provided our guests and communities," said Melissa Kremer, Target's chief HR officer, in a blog post. "Target's success this year is a direct result of our team members turning our purpose into action and meeting our guests' changing needs day after day."This is the fourth bonus Target has given employees this year amid the coronavirus pandemic.The company said its already invested nearly billion so far this year on employees' well-being, health, and safety.Target delivered on its 2017 promise of paying a starting wage of hour - which went into permanent effect on July 5.Target says the 0 bonus will go to employees by early November. 1112

RACINE, Wisconsin -- Manufacturer SC Johnson announced Wednesday that between 300 and 400 positions in the company would be eliminated due to an organizational change.The change was first announced to employees back in January, according to a statement from the company. Some of the eliminated roles were already open and will not be filled, while others will result in employees losing their jobs."Many affected employees" were notified Wednesday, the statement says."The company is healthy and our brands continue to be leaders in their categories," said Kelly M. Semrau, Senior Vice President – Global Corporate Affairs, Communication & Sustainability. "Other leading consumer packaged goods companies are doing the same as we all continue to respond to trends in the marketplace. Like them, we are doing this to maintain the company's health and leadership."Headquartered in Racine, Wisconsin, SC Johnson employs about 12,000 people worldwide. It was founded more than 100 years ago in 1886.The company "intends to provide generous severance and outplacement help" to affected employees. There's no word yet on how many Wisconsin employees will lose their jobs. 1197

President-elect Joe Biden has picked Representative Deb Haaland to serve as the Secretary of the Interior, according to multiple reports.Haaland, a Democratic congresswoman from New Mexico, would be the first Native American to lead the Interior Department if her nomination is confirmed. The department oversees America’s natural resources, including tribal lands.The nomination could be a turning point for the department, which has often had a tense relationship with the country’s 574 federally recognized tribes.Haaland is a member of Pueblo of Laguna, according to the Washington Post. 599

President Donald Trump told reporters Friday he remains open to holding a summit with North Korea's Kim Jong Un on June 12.The President said lines of communication had opened between the two countries after officials said Thursday that the North Koreans had become unresponsive, leading to the planned summit's cancellation."We're going to see what happens. We're talking to them now. It was a very nice statement they put out," Trump said on the South Lawn before departing in his helicopter for the US Naval Academy in Maryland, where he is delivering a commencement address."We'll see what happens. It could even be the 12th. We're talking to them now," he said. "They very much want to do it. We'd like to do it."Asked whether the North Koreans were playing games, Trump acknowledged they were -- and suggested he was too."Everybody plays games. You know that," he told reporters when asked about the ongoing talks. "You know that better than anybody."Earlier Friday morning, Trump also hailed North Korea's statement that its leader, Kim Jong Un, is still willing to meet Trump "at any time" despite the President's cancellation of an historic summit between the two leaders."Very good news to receive the warm and productive statement from North Korea," Trump wrote Friday morning on Twitter. "We will soon see where it will lead, hopefully to long and enduring prosperity and peace. Only time (and talent) will tell!"Kim Kye Gwan, a top official at North Korea's Foreign Ministry, said Trump's decision to cancel the talks, which were scheduled for June 12 in Singapore, ran counter to the global community's wishes for peace on the Korean Peninsula."We would like to make known to the US side once again that we have the intent to sit with the US side to solve problem(s) regardless of ways at any time," said Kim in comments published Friday by the country's state-run news agency KCNA. Kim also said Trump's decision was "not consistent with the desire of humankind for peace and stability in the world, to say nothing of those in the Korean Peninsula."Minutes before his Friday morning tweet, Trump claimed Democrats were "rooting" against his administration in its negotiations with North Korea."Democrats are so obviously rooting against us in our negotiations with North Korea," the President wrote on Twitter. "Just like they are coming to the defense of MS 13 thugs, saying that they are individuals & must be nurtured, or asking to end your big Tax Cuts & raise your taxes instead. Dems have lost touch!"Trump announced his decision to scrap the June summit in a letter Thursday that read "I feel it is inappropriate, at this time, to have this long-planned meeting" following antagonistic rhetoric from Pyongyang.After the news the summit was called off, Democrats criticized Trump for the decision.House Minority Leader Nancy Pelosi told reporters Thursday on Capitol Hill that the canceled summit was "a good thing for Kim Jong Un."Pelosi said the meeting "takes preparation, this takes knowledge, this takes judgment, and clearly it takes preparation, which the President didn't make.""It's clear he didn't know what he was getting into," the California Democrat said. "And now he's walking away from it in this very chummy, palsy-walsy letter to Kim Jong-un. He, Kim Jong-un, is the big winner."She added, "And when (Kim) got this letter from the President saying, 'Okay, nevermind,' he must be having a giggle fit right there now in North Korea."Democratic Sen. Ben Cardin of Maryland called Trump's decision "puzzling" in an interview on CNN's "New Day" Friday morning."I think everyone understands that the only way to resolve this is through diplomacy," Cardin said. "There is no military option without extreme risks, so it's puzzling that the President has now thrown diplomacy off track."Cardin, who sits on the Senate Foreign Relations Committee, knocked accusations that Democrats want Trump to fail, saying "we certainly want the President to succeed.""We want to make sure that when a summit takes place, and we hope it will, that it will be properly prepared and we can have a favorable outcome," Cardin said.Republicans, however, hailed the President's action as a tough negotiating move.Echoing the President, former White House communications director Anthony Scaramucci accused Democrats of "supporting" Kim.During an interview on "Fox and Friends" on Friday, Scaramucci said the "bluntness and steely backbone" that the President has displayed in deal-making is "something that these guys don't like, which I find very ironic.""It's almost like they are supporting -- they support MS 13, Hamas and now they're supporting the Chairman, Chairman Kim," he said.Republican Sen. Lindsey Graham said in an interview on the same program Friday morning, "Everybody who is criticizing the President regarding the letter, how well did you do in North Korea?'" He added that he thought the letter was the "right decision."Graham said he believes Trump will be able to achieve the denuclearization of North Korea within his first term."It's not 'if' he ends the North Korean program, it's 'how and when,'" Graham said. "There's two ways: Diplomacy to be a win, win, which is the preferred route; military conflict that will destroy the regime. When: I think he is going to do this in his first term."According to Graham, Trump said he's "not going to pass this on to anybody else."A former critic of Trump during the campaign, Graham added, "He thinks he is going to get reelected. So do I."The South Carolina Republican also told Fox News that the next step for Trump is to reprimand China for seemingly undercutting US diplomatic efforts with North Korea after a meeting Kim had in early May with Chinese President Xi Jinping."He's going to go back to China, I think, read them the riot act. 'If you want a peaceful solution to the North Korean problem, help me. If you keep playing this game we have played for 30 years, there is going to be a war in your backyard, not ours, and North Korea is going to lose,'" Graham said.Graham said he hopes "through diplomacy there would be no nuclear North Korea."But, "if there is going to be a war, it's going to end badly for North Korea," he said.The-CNN-Wire 6249

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